You've earned a break

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Peer-to-Peer Holiday Loans:
100% online
99% funded in 24hrs
Rates from 9.99%
Up to $35k unsecured

You've earned a break

Whether you're jet-setting solo on your big overseas adventure, or taking the kids away for a family holiday, holiday costs can add up quickly. Flights and accommodation can be expensive enough, but then there's entertainment costs, eating out every day and your end-of-holiday bar bill.

Don't let the expenses stop you from making lifetime memories. Let the Lenders on Harmoney's peer-to-peer marketplace help you make it an adventure to remember.

100% online. No obligation to proceed.

Let's be Kiwi with money

Whether you're jet-setting solo on your big overseas adventure, or taking the kids away for a family holiday, holiday costs can add up quickly. Flights and accommodation can be expensive enough, but then there's entertainment costs, eating out every day and your end-of-holiday bar bill.

Don't let the expenses stop you from making lifetime memories. Let the Lenders on Harmoney's peer-to-peer marketplace help you make it an adventure to remember.

100% online. No obligation to proceed.

OR

Harmoney and World Travellers: The right choice for you.

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Holidays powered by Kiwis

Every World Travellers store is 100% owned and operated by Kiwis who belong to the fastest growing travel cooperative in New Zealand. We are more than just a travel agency, we are well established travel professionals who have developed our own unique brand dedicated to world travellers just like you.

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Holidays, personalised to you.

Whether you want World Travellers to arrange that “impossible” experience or tailor-make a perfect trip, they understand it’s the personal touches that create life-long memories. Because their travel advisors are travellers too, they will work alongside you to create seamless holiday and journey plans which far exceed what you could achieve on your own – and they’ll add those inspirational flourishes which turn any destination into a unique experience.

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Holidays funded by Kiwis

Harmoney is New Zealand's leading Peer-to-Peer marketplace Lender. Peer-to-Peer lending is where everyday people lend money to (and borrow money from) other everyday people. So unlike other big financial institutions, you're borrowing off everyday Kiwis, just like you.

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Holiday loans, personalised to you.

You're an individual, and at Harmoney we treat you like one. To list a personal loan in the marketplace, Borrowers complete a 100% online application via Harmoney (click here to learn more). As we facilitate responsible lending, we run a bespoke credit screening on all applications, and assign those who get approved with a personalised interest rate based on their personal circumstances.

More reasons to get your holiday loan through Harmoney:

Online

100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.

Percentage

Rates from 9.99%.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.

Unsecured

Up to $35,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Applying for a holiday loan through Harmoney

It’s simple. If you’re planning a holiday but don’t want to put it all on your credit card, a holiday loan through Harmoney’s peer-to-peer marketplace could be a great alternative. With personalised interest rates and no early repayment penalties, a holiday loan through Harmoney could be just what you’re looking for. Plus, Harmoney only offers unsecured loans so you won’t have to put your home or car on the line.

Calculate your travel loan

Just use our simple loan calculator to start your obligation-free application for $1,000 to $35,000. Get an indication of what your repayments could be, then continue on to find out how much you could be approved to borrow, and what rate could apply to you. Use the personal loan calculator.

Using your travel loan

Road trip across the USA, see the sights in Europe, or take a break in the islands; whether you’re planning to travel the world or just take a weekend away, a Harmoney holiday loan could take you just about anywhere.

Loan repayments and Fees

We’re completely transparent and upfront about the fees and interest rates that apply. All Harmoney personal loans have personalised, fixed interest rates starting from a low 9.99%. Interest rates are set based on the risk grade assigned to each Borrower during their application, ranging from A1 to F5.

If your repayments are always on-time and made in full, the only fee you’ll pay is the Platform Fee. Read our interest rates and fees schedule to see for yourself.

Travel finance for your Big OE

Planning to take your big OE and travel the world? Go backpacking through Asia, take in the history of Europe, take a drive down Route 66. Wherever you’re dreaming of going, a Harmoney travel loan could help you get there.

What options do I have for paying off my loan?

Harmoney’s marketplace offers loans on a standard 36 or 60 month term. Loans come with a standard monthly repayment, but our team can usually arrange more frequent payments to suit you. Plus, with no early repayment penalties, you get the freedom to pay off your loan early.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online. Get a loan that's funded by Kiwis, and enjoy a better experience. Find out more about P2P lending.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.